Help & Advice

Can my partner apply for car finance on my behalf?

Tim Carpenter, Car Finance Expert

Rachel Wilson

4 stars -
"Can my partner apply for car finance on my behalf?" Tony Hocking Hi Tony, is there a particular reason that you want your partner to apply? Have you been declined elsewhere or do you have poor credit? I ask as we can help people with bad credit obtain car finance. There's no guarantees at this stage but as long as you're employed, can prove your income and have some current clean credit we have a reasonable chance of getting you approved.

Your partner could apply but as they don't have a licence and as the car is for you they would need a personal loan product (which we can provide if your partner is comfortable with this route). You could always apply with your partner as a guarantor too.

I'll leave the decision up to yourself and your partner but please make an application when you are ready. If approved we provide a no obligation quote and you can buy a car from any dealer. Kind Regards, Rachel

Hi Rachel, Can my partner apply for the finance for a car for me as i'm the only licence holder? I'm not too sure of the pro's and con's of doing this are and if there are any risks etc. Please can you provide some advice.

Tony Hocking

Rachel Wilson Underwriting Manager

Answer

Hi Tony, is there a particular reason that you want your partner to apply? Have you been declined elsewhere or do you have poor credit? I ask as we can help people with bad credit obtain car finance. There's no guarantees at this stage but as long as you're employed, can prove your income and have some current clean credit we have a reasonable chance of getting you approved.

Your partner could apply but as they don't have a licence and as the car is for you they would need a personal loan product (which we can provide if your partner is comfortable with this route). You could always apply with your partner as a guarantor too.

I'll leave the decision up to yourself and your partner but please make an application when you are ready. If approved we provide a no obligation quote and you can buy a car from any dealer. Kind Regards, Rachel

We compare products from 18 of the UK's top lenders to get you the best deal.

Hitatchi

Paragon

Representative example. Excellent Credit

Borrowing £7,500 over 48 months with a representative APR of 16.8%, an annual interest rate of 16.8% and a deposit of £0.00, the amount payable would be: £211.25 a month, with a total cost of credit of £2,640 and a total amount payable of £10,140.

CarFinance 247 is a broker and not a lender

More related questions

Hi, I have a bad credit history but a good monthly income, would it be possible to get finance in my partners name as she has great credit history but no checkable income. Thanks

Mark

Rachel Wilson

Underwriting Manager

Answer

Hi Mark, thank you for your question.

In all honesty as the car is for yourself personally it'd be best to make an application in your name with your partner acting as a co-hirer (if they'd be comfortable with this approach).

We do have lenders that help people with past credit issues get finance and adding your partner onto the application would strengthen your chances of an approval.

We do have personal loan options where you partner can take out a loan and use the funds as she wishes but this can cause complications in the future if relationships break down. Please consider your options carefully and discuss them with your partner.

Please make an application when you're ready and if approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel

Answer correct as of October 2012

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Hi there, I would like to buy my partner a car and pay off monthly (finance). I am fully employed earning £600 a week before tax. I have a fair credit score between 800 and 865, i have a credit card and mobile phone bill which i pay off in full on time each month. Is this possible or will the car have to be in my name even though i don't drive?

Hollie

Rachel Wilson

Underwriting Manager

Answer

Hi Hollie, we have a few personal loan lenders on our panel that allow you to use the funds as you so wish. They can also help people with fair credit so we have a reasonable chance of getting you approved. The rate and amount you can borrow will depend upon your personal circumstances and income.

Please make an application when you're ready and if approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel

Answer correct as of November 2012

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Hi, my partner is looking to get a car on finance in her name but for me as i'm the one out of us both with a full uk licence. She has a provisional but doesn't want to drive just yet, she works in a bank and has a good income with good credit and i'm a plumbers apprentice that's why she would be paying it in her name. What would be our options? Thanks

Mathew

Rachel Wilson

Underwriting Manager

Answer

Hi Mathew, this isn't a problem as we have lenders on our panel that help people with provisional licences and good credit histories. I would advise to make a joint application though with yourself as the main hirer as the car really is for you.

Please make an application when you're ready and if approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel

Answer correct as of November 2012

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Hi Rachel, I have a pretty bad credit history through circumstance. I currently pay finance on the car i currently own. I finish paying this in august. I need my car for my work and drive a lot of miles throughout the UK on events. My car has done a lot of miles and I don't have spare funds to carry out the work needed or buy a cheaper car. I have found a car with with local dealer which has double the fuel economy, saves me on road tax and insurance. I need a decent car both for reliability and image with clients. Luck is starting to change, but i need to get finance for this. My girlfriend has a provisional licence and wondered if she can be the name on finance and I can be registered keeper. I have checked with insurance company and they are fine with HER being registered keeper and I can insure in my name even though she will not be on the ins policy. By paying another £90 per month I can save £300 on fuel, tax, insurance and future work my current car will need. Any advice on the best way forward? The offer I have currently found is interest free for 5 years. But maybe that is only if I do the deal with their chosen finance company? Bit stuck, help would be greatly appreciated. Best, Mike

Mike

Rachel Wilson

Underwriting Manager

Answer

Hi Mike, thanks for the detailed question. Your partner could take out a personal loan (which we could provide) in her name however, we couldn't match 0% APR.

As the car is for yourself i would advise making a joint application for car finance on our website with you as the main hirer. This prevents any issues between you, your partner and the lender should your relationship break down for any reason.

Adding your partner would strengthen your application and we do also have lenders on our panel that help people with past credit issues. Please discuss your options with your partner before deciding on the best way to proceed.

Please make an application when you're ready and if approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel

Answer correct as of December 2012

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Hi, My partner is medically unfit to drive and will never be able to obtain a drivers licence, however he has paid for me to take driving lessons and now wants to get me a car. He wants the loan to be in his name and he would be the owner of the vehicle although I would be the main and only driver. Is it possible for him to get a car loan without a licence? I have poor credit history so I probably wouldn't get approved, he has good credit and has just recently got a mortgage.

Claire Thomson

Rachel Wilson

Underwriting Manager

Answer

Hi Claire, thank you for your question. We do have 1 lender on our panel who provides car finance to those without a licence but they have to have a good credit history. You say your partner has good credit so that's great news. The car however, would have to be registered in your name for insurance purposes. Please make an application with your partners permission obviously. Kind Regards, Rachel

Answer correct as of July 2013

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Hi, I'm looking to buy a car with myself financing it as I have a better income & credit rating than my partner but, for him to be the registered keeper and the insurance policy holder (with me as a named driver). Is this possible? Thanks in advance.

Laura Jayne

Rachel Wilson

Underwriting Manager

Answer

Hi Laura, apologies for the delayed response.

As you can imagine finance companies do not like this practice (as people split up and it can create big problems) but i can't stop you doing what you want to do. If you did finance a car in your name though you would have to take out a personal loan (which we can provide) as our other lenders will only lend to people who are the main owner of the vehicle.

Who you let drive your car is obviously down to you as long as they have the correct insurance (your partner could be a named driver for example on the policy). Kind Regards, Rachel

Answer correct as of November 2013

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My partner bought a car recently but due to bad credit the finance for the car is in my name and so are the insurance and registration documents.

He would like the registration documents to be changed to his name but I would prefer them to remain in my name until car is paid. What should I do? Please help.

Fiona P

Rachel Wilson

Underwriting Manager

Answer

Hi Fiona, thank you for your question.

You are indeed correct in that all documentation should remain in your name until the finance agreement has been paid in full. As a worst case scenario if you changed the registration document into your partners name and you split up, the car would be in his name (however, it legally belongs to the finance company until all payments have been made).

I hope this information helps. Kind Regards, Rachel

Answer correct as of February 2014

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Hi, My partner is looking to buy me a car on finance even though he does not have a driving licence and has no intentions of getting one. I have a bad credit rating and would not be able to get finance so would it be possible for him to do this for me.

It doesnt matter who is the registered keeper but i would be the main driver. Many thanks

Susan Finn

Rachel Wilson

Underwriting Manager

Answer

Hi Susan, thank you for your question.

As your partner has no driving licence and as the car is for you to drive we do need you on the finance agreement. We do have lenders that help people with bad credit get finance so we should be able to do something for you if you can make a joint application on our website. Adding your partner will obviously improve our chances of getting an acceptance

Please make a joint application on our website and if approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel

We compare products from 18 of the UK's top lenders to get you the best deal.

Hitatchi

Paragon

Representative example. Excellent Credit

Borrowing £7,500 over 48 months with a representative APR of 16.8%, an annual interest rate of 16.8% and a deposit of £0.00, the amount payable would be: £211.25 a month, with a total cost of credit of £2,640 and a total amount payable of £10,140.

CarFinance 247 is a broker and not a lender

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Licensed Credit Broker. All finance is subject to status and income. Written Quotation on request. CarFinance 247 can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions.

* The UK’s number one online car finance provider by web traffic. Based on Experian Hitwise data – 663,415 visits to CarFinance 247 vs 299,576 for nearest competitor. January 2017.

Carfinance247 Limited is authorised and regulated by the Financial Conduct Authority, registration number 653019 and we are registered with the Office of the Information Commissioner (No. Z1897658). Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required.

† We do not charge a fee for arranging the finance, however some of our lenders may charge a fee. Your customer service specialist can provide more information on this.

Licensed Credit Broker. All finance is subject to status and income. Written Quotation on request. CarFinance 247 can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions.

* The UK’s number one online car finance provider by web traffic. Based on Experian Hitwise data – 663,415 visits to CarFinance 247 vs 299,576 for nearest competitor. January 2017.

Carfinance247 Limited is authorised and regulated by the Financial Conduct Authority, registration number 653019 and we are registered with the Office of the Information Commissioner (No. Z1897658). Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required.

† We do not charge a fee for arranging the finance, however some of our lenders may charge a fee. Your customer service specialist can provide more information on this.